Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,668Cash toward the purchase price.
Closing costs + prepaids$11,603Not just lender fees.
Before credits & paid funds$44,271The complete starting cash picture.
Estimated remaining funds due at closing
$44,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,667.82
Your down payment$32,667.82
Closing costs + prepaids$11,602.73
Total buyer cash needed$44,270.55
Remaining funds due$44,270.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.75
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$1,228.98
Fees + prepaids$11,602.73
Your down payment is the seller’s equity. You take over the $247,232 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $44,270.55 is due at closing. Uses and sources reconcile at $291,502.73 each. Not a Closing Disclosure.